I get why you're thinking about this at 35 weeks, it's a big call to make so late in pregnancy. From what I hear, the private route at NUH runs around $14k, though it can vary a bit depending on your delivery type and any complications. Someone I know switched over at 32 weeks from subsidised care and felt it was worth it mainly for the flexibility with consultants and shorter wait times during labour, but honestly, at 35 weeks you're quite far along, so it might be worth checking directly with NUH to see if there are any admin or clinical hiccups with switching this late, plus you'd want to understand exactly what's included in that price so there are no surprise charges after delivery. The real question is whether the perks matter most to you right now, or if you're happy enough with your current arrangement and just want a bit more certainty at the end. What's driving the switch for you?